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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,850 | $57,140-49.5% | $85,240-66.2% | $80,959-64.4% |
| Participation rate | 36.6% | 56.4%-19.8pp | 67.5%-30.9pp | 67.7%-31.1pp |
| Annual return | 15.36% | 21.71%-6.4pp | 66.75%-51.4pp | 35.67%-20.3pp |
| Employer contribution / active EE | $609 | $1,802-66.2% | $2,735-77.7% | $2,757-77.9% |
| Participant deferral / active EE | $1,416 | $3,115-54.6% | $4,527-68.7% | $4,300-67.1% |
| Admin fee / account holder | $1,456 | $4,992-70.8% | $6,165-76.4% | $6,925-79.0% |